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Purchasing a home in Florida
Florida refinance

State and County fees:
70 cents per $100 (.007) Documentary Stamps/State Tax on the Deed (Sales Price)
(60 cents per $100 if Miami-Dade County)
35 cents per $100 Documentary Stamps/State Tax on the mortgage

20 cents per $100 Intangible Tax/County Tax on the mortgage

$10 first page, Recording charges
$8.50 each additional page

Owner's mortgage policy of Title Insurance:
Up to 100,000 $5.75 per 1,000

Up to 1,000,000 $575 for first 100,000 plus
$5.00 per 1,000 thereafter

Up to 5,000,000 $5,075 for first 1,000,000 plus
$2.50 per 1,000 thereafter

* To qualify for the prior policy discount, Borrower must provide a copy of their previous Title Insurance Policy, and policy must be less than 3 yrs old for the discount to apply to a purchase. The discount amount is based upon the amount of the prior policy. The cost of a simultaneously issued Lender’s policy in a purchase transaction is $150.**County stamps vary slightly amongst the Counties, this grid is based on Broward County.

Refinance
Property taxes are due in November.
There is a doc stamp of $3.50 per thousand and an intangible tax of $2.50 per thousand required on every refinance in Florida. There are not any additional transfer taxes for cash out, just use the new loan amount to calculate the doc stamps and intangible tax. See refinance mistakes to avoid..